Rates
per $10,000 unit of coverage
as
of November 1, 2010

Just
$2.50 semiannually insures all eligible children ages six months to 19
years (23 years if a full-time student) for $5,000 each (coverage of $500
for ages 15 days to six months).

Rates can changed by agreement between New York
Life and the American Society for Clinical Pathology.

*As you enter a new age bracket, your premium will
increase. Rates are based on the attained age.

** Renewal rates only. All applicant and spouse
benefit amounts reduce 50% on the renewal due date coinciding with or
following their respective 65th birthday Premiums do not reduce. Rates
and/or benefits may be changed on a class basis. A class is a group
of people with the same age or gender.